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Be Centsible

Money answers by college students, for college students

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How can I save money while on vacation?

Vacations are costly, even if you start planning months before your vacation. While you are on the trip food, activities, and nightlife can get costly. Whether you don’t want to break the bank while on vacation or want to practice affordable ways to travel, these tips can help you save money.    Transportation Private transportation services like Ubers, Lyfts , and cabs can add up. Even with features such as price splits and XL cars, these options can cost you big money. It...
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What are loans, scholarships, and grants?

Choosing the right college can be daunting. One concern students often have when applying to college is the affordability of their college tuition. They must consider how they will obtain the money needed to pay for their college education and what strings are attached to that money. Three of the most common resources students use to fund their education are loans, scholarships, and grants. Student loans are money a person can borrow from a lender to fund their college education that must be...
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How can I save up for my next big event?

As college students, money often runs tight, but we still want to blow off steam going to fun events or activities. I often find myself wondering how I can save up some extra money to buy sports game tickets or tickets to a concert or music festival without completely changing my everyday routine. Here are some of my top tips to help you save money for an event: Start a coin jar. Starting a coin jar is an easy way to let your extra change add up fast. Before you know it, you...
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How can I prepare for a vacation?

Traveling as a student can seem impossible. Between the checks from low paying university jobs and monthly allowances from parents, sometimes we must settle for a more frugal lifestyle. For students who want to travel, it may seem like vacations don’t fit in your budget, but it is very possible.  With these five tips, spring break trips will be easier on the pockets! 5) Vacation savings       A vacation savings account is a great way to prepare for that birthday trip you’ve...
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What are some common credit misconceptions?

There are a lot of misconceptions around various personal finance topics. Many of this misinformation stems from confusion around credit scores and reports. Breaking through these misconceptions can help you understand what exactly credit scores are, and what purpose they serve in your financial life.   Checking credit scores One common misconception is that checking your credit report hurts your score. This is false; it is actually encouraged to check your credit report at least once a year...
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What should I ask about a company's 401K when starting my first job?

Fantastic, you made it through college, walked across the stage at graduation, received your diploma, and got that first career job offer. What should you ask your prospective employer about benefits, specifically about retirement plans? We understand that saving for retirement is essential, and it is best to start as early as possible. However, you need to know the conditions the company you work for has regarding retirement plans. Not all companies are created equal, and not all policies are...
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How can I stay motivated in achieving my financial goals?

Congratulations! You have taken action to get your financial life in order. Whether your goal is saving, budgeting, investing, or repaying debt, the good news is that you started. As you begin your journey in achieving your goals, it can be difficult to stay committed and motivated consistently over time. The first important action you can take is to get organized. Here are five tips that you can utilize to ensure you stay on track towards your financial goals. Identify and visualize Write...
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Do you really need that? 

In an age dominated by social media and keeping up with the latest trends, it is easy to overspend on “wants” and ignore spending on “needs”. It doesn’t help that advertisements are constantly being viewed while using social media. For example, Instagram has integrated a “shopping” tab within the app that allows users to buy an item directly from an advertisement. These advertisements are personalized based on past views and clicks which means the ads you see will more likely appeal to you. ...
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How can I prepare to negotiate my first job offer?

First of all, congratulations on graduating and being successful in your job search. That is a big deal and deserves to be acknowledged. There are some key points that can help make your career a little more rewarding, and one of those is through negotiation. That word draws many different feelings from people, some love it, and some hate it. I would like to share some tips to make it easy and not-so-scary.  Do not bring up salary until they do.   You must prepare for the negotiation, like...
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Why would I need renter’s insurance in college?

Most of us college students live on a budget. We plan for our known expenses such as groceries, utilities, rent, textbooks, entertainment, and more. While it is easy for us to plan for those known expenses, we often tend to forget about unexpected expenses. Unexpected expenses are any potential cost a student could encounter outside of their known expenses. Circumstances such as fire, flooding, and theft are a few examples of how someone could lose their personal property. We don’t expect these...
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